Financing a truck camper

FreeLanceing wrote:
How about this, pay for it. Just save a little and pay cash, you get to keep the intrest. This is not the current american way but it once was. I have not made a car payment since 1978. I have not carried a CC balance since about 1980. I do not make a lot of money but I am good with what I have. Today I buy a new truck every 2 or 3 years and walk in find the best deal and write a ripper done. 2 boats, Harley, camper, tractor , etc all paid for. You want to feel free go debt free all it takes is a little discipline. I also self insure. I carry a major liability plan and self insure for any damage claim. Why pay the man when you can pay yourself. This will be very unpopular I know but its the best advise you will get today.

You are 100% correct, of course. I never would have believed it if I had read your post 25 years ago, but a lot has happened in that time. I went from a typical underwater American lifestyle spending more than I earned every month to retired, happy and debt free (with one exception) in 15 years. A divorce and an "awakening" to finally being in full control of my own finances led to some pretty drastic (and very positive) changes in which I slashed my expenses and started saving money like a mad man from a middle-income job. Credit as a way of life ceased at that time, with the exception of using it to my advantage instead of the lender's (cc rewards, zero finance charges by paying in full each month).

A wise person once said, "if you have to borrow for it, you can't afford it." Those are words that I live by these days.

Not passing judgment on anyone here - to each his/her own.